CAROLINA CARING BENEFITS
Benefits
At Carolina Caring, we value our employees and are committed to supporting their well-being through a comprehensive benefits package. From a dedicated company doctor and health insurance options to a robust retirement plan and paid time off, we provide resources to help you thrive both professionally and personally. Explore the benefits that come with joining our dedicated team.
Dedicated Company Doctor
Carolina Caring offers full-time and part-time, benefit-eligible employees who enroll in Carolina Caring health insurance, the option of company-paid primary physician care.
If you take advantage of this benefit, you will have the option to enroll with Dr. Billy Price, Dr. Josephine Lake or Dr. Kate Long as your personal doctor. They will complete a full physical and determine any follow up needs. There is no employee cost or insurance billing for any visits to the company paid primary care physician.
Health Insurance
Carolina Caring currently offers two health insurance options for full-time and part-time benefit eligible staff members. Employees are eligible 30 days from start date for either plan. Carolina Caring pays a portion of the dependent costs.
Option 1: Reference Based Pricing (RBP)
The RBP model uses the Prime Network as a physician’s network, but a network is not needed for any provider with this plan. If you elect this plan, your portion of the premiums is $52.29 every two weeks (per pay period) for employee-only coverage. This rate is the discounted amount for staff who meet wellness requirements.
For in-network, non-preventive services, all services apply to the employee deductible of $1750 or $3500 employee + dependent deductible.
Maximum out of pocket for the employee including deductible is $1750 for employee coverage and $3500 for employee + dependent coverage.
Once the out of pocket is met, benefits and services are paid at 100% by the plan for the remainder of the year.
The plan has unlimited lifetime benefits.
Employees that elect this plan will receive $1250 employer contribution to their Health Savings Account (HSA).
Option 2: PPO Plan
This plan is within the Cigna Network and EMBS acts as the Third Party Administrator (TPA). If you elect this plan, your portion of the premiums is $105.46 every two weeks (per pay period) for employee-only coverage. This rate is the discounted amount for staff who meet wellness requirements.
For in-network, non-preventive services, all services apply to the employee deductible of $2000 or $3750 employee + dependent deductible.
Once the in-network deductible is met, $1000 co-insurance will apply. The company will pay 80% and employee will pay 20% out of pocket until $1000 has been reached.
Maximum out of pocket for the employee including deductible is $3000 for employee coverage and $4750 for employee + dependent coverage.
Once the out of pocket is met, benefits and services are paid at 100% by the plan for the remainder of the year.
The plan has unlimited lifetime benefits.
Note: The above information is a summary only and anytime there is a difference between this information and plan documents, Carolina Caring will adhere to the plan documents.
In accordance with federal Transparency in Coverage rules, health plan pricing is made available at https://caa.ebms.com/Carolina%20Caring,%20Inc./index.html.
Health Savings and Flexible Spending Accounts
Health Savings Account
Carolina Caring encourages full-time and regular part-time benefit eligible employees enrolled in a high-deductible health plan to open a Health Savings Account (HSA).
A Health Savings Account is a tax-advantaged account, owned by the employee that can be used for current and future medical expenses.
Eligible employees can make tax-deductible contributions to the account, and then those funds can be withdrawn tax-free when used for a qualified medical expense.
Flexible Spending Account (FSA) Dependent Care
Dependent Care FSAs are plans designed to help employees pay for the care of their qualifying dependents, as defined by IRS regulations. Contributions to this tax-advantaged account can be made through payroll deduction and are forfeited if not claimed within the plan year.
Life/Accidental Death & Dismemberment Insurance
Employer pays 100% for all full-time and regular part-time benefit-eligible employees. Eligible 30 days from full-time hire date.
Benefit is 150% of base salary with a minimum of $75,000 with a maximum of $4,000,000.
This plan does have restrictions on age and is portable if an employee terminates employment, reduces hours or retires.
Short-Term Disability
Employer pays 100% for all full-time and part-time employees. Eligible 30 days from full-time hire date. Benefit is 60% of salary with a maximum of $1,500 per week. The elimination period is 14 days. The duration of this benefit is 13 weeks.
Long-Term Disability
Employer pays 100% for all full-time and part-time benefit-eligible employees. Eligible 30 days from full-time hire date. Benefit is 60% of salary with a maximum of $7,500 per month. The elimination period is 90 days. Please see the plan details for maximum duration.
Dental Insurance
Full-time and part-time eligible employees pay $5 per bi-weekly pay period. Eligible 30 days from full-time hire date.
Diagnostic and preventive services are paid at 100%. Basic Services incur a $50 deductible per person and are paid at 100%.
Major Services incur a $50 deductible per person and are paid at 50%.
Orthodontic benefits for dependents only are payable at 50% with a lifetime maximum of $2000.
The plan has a maximum payment of $1500 per person total per calendar year.
Retirement 403(B) Plan
Any active employee can participate in the 403(B) plan with pre-tax contributions. For employees who work over 1000 hours and one year of employment, Carolina Caring will match “dollar for dollar” up to 5% of the employee’s bi-weekly salary. Employer contributions are made each pay period so employees can maximize their investment returns.
For eligible employees who have worked over 1,000 hours in the calendar year and one year of employment, Carolina Caring may contribute an additional percentage of annual salary into the employee’s 403(B) plan at year end based on year-end financial status.
Voluntary Vision
Carolina Caring offers full-time and regular part-time benefit eligible employees the option to elect vision insurance. Employee pays 100% of costs and is eligible 30 days from hire date.
The plan pays one routine eye examination annually with a $10 copay and allows $140 allowance for eyewear annually.
The option can be purchased for employees and their family members.
Voluntary Guardian Insurance
Carolina Caring offers full-time and regular part-time benefit eligible employees the option to elect insurance plans through Guardian Life Insurance.
These plans include voluntary life, accident, hospital confinement, critical illness and cancer insurance.
Employee pays 100% of costs for employee and family coverage.
Paid Time Off (PTO)
Carolina Caring offers both full-time and part-time benefit-eligible employees a comprehensive PTO (paid time off) package. Our PTO policy reflects our commitment to supporting our employees’ diverse needs for time off from work. By combining holiday, vacation, sick, and personal leave into one flexible approach, PTO provides employees with greater control and autonomy over their time away from work. It’s important for employees to manage their PTO hours responsibly, ensuring they maintain adequate reserves to cover planned absences such as vacations, as well as unforeseen circumstances like illness, appointments, emergencies, or other unplanned events requiring time away from work.
PTO accruals are available for use in the pay period following completion of 90 days of employment. All hours thereafter are available for use following the pay period in which they accrued. PTO requests are subject to supervisory approval.
